Tenants

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Here it is better to "dance" of the object. That is, first look for a house or estate, which would settle. And then see what kind of bank loans housing in it. The fact is, the bank will give money away is not under any new building, and under the unit – the ones where the builder has good contacts. This stems from the "opacity" of most business builders and developers.

Bank can be difficult to assess the risks, which, incidentally, and customer concern: whether dostroeno housing, which is collateral for the loan? And if so, at what time? Not bankrupt the company and not leave there and the tenants and their lenders with nothing? Incidentally, the very participation of the bank, and behind them the insurance company in its acquisition of primary residence can serve as a guarantee for the buyer – if so bankers agreed to lend the object its "primary", it means they are more or less sure that he would be in order. Question 2 says, sellers do not really want to deal with "mortgage" buyers. Is this true? And the truth is, 5-6 years ago it been a problem. And all because the banks had demanded from the customer's set of documents relating to the acquired property – far more than the package, which is required for normal transaction without the involvement of credit. Who was to gather additional information? The owners or realtors. And why should they bother, if it is so worth all of the customers with their own money? "Mortgage" applicant was refused or at best shell out and pay 1-2% of the purchase price, and maybe more. But now the situation has changed.

Housing Code

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ACCOMMODATION other citizens with the permission of the landlord (if after the invasion will not be infringed upon the rights of other citizens in your normal living space). However, if you are physically prevented the universe, you can call the district or notary, to make? Act on Counteracting the universe? and seek to violate your rights with a written request not to obstruct. If your eligibility is reinstated, then questions about the universe is solved by the court, in the case positive decision, it forced the service of bailiffs. Eviction from the premises used in the event that one of the residents use it for other purposes, waste refers to the placement, systematically violate the rights of neighbors. In this case, if the warnings do not help to eliminate the violation, the owner of the premises at the request of a citizen may be expelled pursuant to a court. In addition, impossibility of cohabitation on the basis of deprivation of the court some persons may be without the provision of alternative accommodation. This type of eviction may affect those deprived of their parental rights if it is recognized impossible for them to live with their children.

Sometimes, instead of forced evictions carried out an exchange of occupied premises at other premises specified by the concerned party in the exchange. In addition to issues invasion and eviction from the dwelling, lawyers often have to provide support for real estate transactions: the purchase, sale, exchange, lease, donation, purchase with a mortgage loan and participation in share construction. In this case, the important components of processing transactions are activities such as drawing up a legally competent purchase agreement (lease, co-investment, mortgage), government registration of transactions, notarization, obtaining documents BTI, an excerpt from EGRP and a tax deduction. In this case, a lawyer who provides support for real estate transactions, must pay attention not only to collect and preparation of all documents, but also resolve all possible issues with third parties involved in the transaction. Legal support for solving housing disputes should be carried out exclusively by professional lawyers, because in housing legislation are many subtleties and nuances, and different views on the issue of dispute resolution may be several. Additional complexity of the process makes the fact that not so long ago adopted a new Housing Code, where a lot of changes compared with the old. Therefore, in the event of legal problems with real estate, we advise you to refer only to large offices, lawyers which will help you understand the situation, analyze all the options, choose the best of them, to prepare the necessary documents and bring a solution to the end. If you settle disputes out of court or a court order is not possible, then the lawyers will necessarily assist you in filing a lawsuit, but will also have representation and defense of your rights in court. Obtain competent legal assistance in resolving housing disputes to help you avoid serious problems in the future and be quiet about his own tenure.

Mortgage Market

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Agency for Housing Mortgage Lending (HMLA) reports that the share of the largest banks in the mortgage market is gradually shrinking. Agency experts have analyzed the market data and found that if in 2009 , the five largest in terms of assets issued for the period 68% of mortgage loans of the total, by the end of the first half of 2010 it had dropped to a mark of 60%. All in all, the bankers were given for the first six months of the current year, 107.2 thousand of mortgage loans totaling 133.4 million rubles. Agency for Housing Mortgage Lending in the analysis took into account the data of the Central Bank of Russia for the top 5 banks with the largest amount of assets Russian banking industry. The agency believes that in the last couple of years in the top five for this indicator were Sberbank and Russian Agricultural Bank, Gazprombank and Bank of Moscow. Experts point out that the first time since crisis, mortgage lending, falling at major players in the market fell, but still so much. The whole point is that, with the turmoil in financial markets is the largest credit institutions provided lending.

In part, this state of affairs has contributed and the Agency for Housing Mortgage Lending, trying to save the market by relying just on the big banks. Analysts believe that this trend is caused by much more vigorous actions of small banks in the mortgage market. Thus, the report of the Agency for Mortgage Lending said that 'in the first half of the weighted average interest rates on loans in rubles (progressive total from the beginning of the year), the largest banks were highest on the market – 13.9% at the end of the first half. The lowest rates on loans in rubles offered smaller banks. " However, experts do not think that the share of large banks will continue to shrink significantly in the near future.

State Registration Chamber

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When a loan will be provided, it is necessary to purchase an apartment, obtain all necessary documents and state registration of property rights. After paying the seller of the apartment the borrower becomes rightful owner of the apartment. One problem – the new property is already in the bank laid … List of documents provided by the bank after the state registration of property rights: – notarized A copy of the ownership of the apartment – a notarized commitment of all adult family members in an eviction from an apartment in case of default by the borrower under loan agreements (Alas) – resolution of custody and guardianship for the mortgage (pledge) apartment – insurance risk of loss and damage to the apartment, loss of property rights – an explication of (the plan of the apartment) from BTI and checkout of the BTI value of the apartment – a contract for maintenance of the apartment – contracts for utility services (with the providers of such services). Associated costs of the loan. We give the maximum amount cost of a mortgage loan on the secondary market: – a notary – to 1,5% of the price specified in the contract – check the contract with the State Registration Chamber – up to 1000 rubles – evaluation Apartments certified appraiser – from $ 100 – insurance deal – 1,5% of the (loan amount + 10%) – fee to the bank for loans – to 1% of loan amount – maintaining the loan account – up to 1% of the loan amount, charged by the bank once a year – to review an application, signing a credit agreement – from 1 000 rubles – rent deposit box for the transaction of buying an apartment – 20 – $ 70; And for Mortgages in the primary housing market should be still spend: – checked that the technical condition of the bank's requirements – from $ 150 – evaluation of the object – from $ 100 – construction audit – from $ 300 – insurance deal – 1,5% of the (loan amount + 10%) – holding the mortgage deal – $ 200 – money transfer developer – at a price the bank for non-cash transactions – opening and maintaining accounts in the bank – from 1% to 2% a year – to review an application and the conclusion of the credit contract on the bank rates – from $ 100.

Commercial Banks

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Any commercial bank has a capital which, in essence, is expressed in its fixed and circulating capital. Fixed assets have the lowest level of liquidity, and often exist in the form of various buildings of the bank, land allotments and machinery, office furniture, computer equipment, working capital of the bank – it's most liquid part of its capital, expressed in securities (bills, stocks, free cash flow). Thus, liquidity funds of the bank (ie the possibility of their rapid conversion to free funds) involves four basic types of them: the most highly liquid bank funds – are funds that do not require conversion into cash, because it is already, as well as funds that can almost instantly become the cash (funds on correspondent accounts with other banks, checks and other payment instruments). These assets are the most highly, but they do not bring income, so they share relatively high. The most highly liquid funds of the bank is its primary reserves, as a guarantee of solvency, highly liquid funds Bank – a fund that can quickly be converted into cash of the bank (eg, short-term promissory notes received, short-term loans receivable, as well as demand deposits, etc.).

These assets highly liquid, and bring a little interest income. Highly liquid funds of the bank is a potential means for increasing the mass of the primary reserves, so often referred to as a secondary reserve (or insurance funds of liquidity); mean liquidity of bank funds – in effect for the treatment of these assets to the free money supply requires a certain period of time (which depends on the conditions of the loan agreement). These assets the most profitable and most of them form the profits of the banking institution. This group of funds, can also be attributed to a very interesting structural component – the gallant operations. The proportion of such transactions strongly increases, it is quite profitable, but require a certain reserve balances under warranty.

Such operations do not require banks to no cost, provided of course that the object is to guarantee reliable, low liquidity of bank funds – this group of assets is difficult to be converted into the free money supply. This building and land, and vehicles of the bank, seized collateral, etc. Often often they generate revenue only conditionally, provided of course that is not located in the temporary use of other on terms of repayment and interest payment. Speaking of the funds of banking institutions, incl and commercial, it should be noted that the greatest proportion of their bank funds average liquidity. Their structure is primarily a recording and loan funds, and securities, and transactions with these funds can be regarded as basic. Today, the structure active banking has changed significantly due to the intensification of the use of securities in the mobilization of bank resources. Today, the priority becomes the operation of converting credit obligations of the borrower in a special type of securities – bills and bonds. The latter, often expressed in the issuance of bonds under the obligations under the mortgage. The popularity of such operations due to the possibility of resale secondary market for commercial lending – certainly in this case, the selling party loses some level of profitability over the active operation.

Plot Cottage

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So you've decided to equip area near your holiday home. Now it is necessary to choose the basic concept of your future garden. Perfectly decorate any area skillfully executed flower beds, Win-Win will be refined decorative pond, which will give the landscape freshness and serenity. To create a romantic atmosphere suitable lush beautiful garden with trees, in the shadow of which can be relaxing summer evenings. You might want to arrange a barbecue and swimming pool. If you have children, you can also equip a playground with swings. In short, the possibility of how to make site – the mass. To ensure that all would wish to embody in life and look perfectly, the best choice would be to use the services of landscape designers. With the help of a professional, you can choose the style of your future garden, it is advantageous to organize space, harmoniously combining it with the exterior of your home or cottage. Professionally decorated suburban area will be your favorite place to relax after work, people, fill you with peace of mind and make your stay in a country house is really comfortable.

Greenhouses

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Continuing the review on the market of St. Petersburg designs of greenhouses, which began in previous releases, discuss the design features of frameworks and consider the various options. In our opinion, the best choice of material for a greenhouse frame is a metal profile. On its merits, we mentioned in earlier editions. Now take a closer look at the materials. One option the material or aluminum corner profile. The advantage is its ease and low corrosivity. Under normal conditions, the metal is covered with an oxide film, and practically does not react with other materials.

In addition, this material is easily has been processed, even with hand tools. Assembling the frame greenhouses made of aluminum produced at the bolted joints. However, during the operation greenhouses there is a need to make different fertilizers in the soil. Including chemicals containing ammonium salts. In this case, the protective coating frame can be broken, and then in a short time aluminum will literally crumble, which significantly worsen the rigidity of the frame, as well as can be lead to its destruction. Not in favor of this material is the fact that scrap aluminum has a high value on the market. Therefore, it is likely that one day in spring "happy" summer visitor finds plot only the broken parts of your favorite greenhouses, a skeleton is stolen what some ushlymi homeless. Would not wish this to anybody, but when choosing the material must be taken into account such problems.

The most common material used in the construction of suburban greenhouses is a steel profile. Compared with aluminum, he, of course, require additional anti-corrosion treatment, but much cheaper and allows the assembly to welding or sheet joints with locking fasteners with special screws. Important when choosing a material is the wall thickness of the steel profile and its cross section. Frequently used profile 20×20 mm for arcs and transverse bars, and for the frame base profile 40h20 mm. Even if you use the same profiles of greenhouses on the market value is significantly different from different manufacturers. Under equal other costs big role in the formation of prices for finished playing a greenhouse wall thickness profile. Of course, the thicker, the better. But we must be clear value for money when choosing a frame material. When operating the greenhouses in the climatic zone of the Leningrad Region with snow cover up to 1 m can be considered the best use of steel profiles with a wall thickness of not less than 1,5 mm. Calculations and practice show that such a greenhouse can withstand snow loads of up to 80 cm around the greenhouse. It should be noted which is largely resistant to the greenhouses snow loads depends on the design features of the framework. The next issue we consider the most common options frameworks of greenhouses.

Winter Garden

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For rooms with large glazing area should be used heaters Thermoplus. They are placed over the window, and not under them, allowing their use in areas where children are present. These devices provide reliable protection from drafts. For the local heating ideal Elztrip ez 100 or cir. Country house for heating suburban homes better use instruments cir series and series Elztrip ez 100, but it is recommended to use them only as an additional source of heat, as devices can not operate in the absence of rights. This is due to the fact that the temperature of surface heating very high (700 C for a series of cir and 280 C for the Series Elztrip ez 100). These infrared heaters can be used on the terrace, in rooms with high ceilings.

Office Heaters Series Elztrip, Thermoplus or ceiling cassette hp will provide an economical and comfortable heating office buildings. Can be used as the sole source of heating. Industrial premises for such production facilities as shops and warehouses fit model with a high temperature heating surface cir or ir. They can be used for local heating of the workplace, for example, in an unheated shop for heating the workplace area of 5 m2 at a height of 3 meter device installation requires heater cir 12021. When design temperature outside -26 C ambient temperature is 15? C.

Comfortable state of human outer clothing guaranteed. ir heaters can be used as the sole source of heat for heating the entire room. Terrace in the country house, for example, for heating the outdoor terrace area of 12 m2 using 2 appliances ez 111. Autumn and spring can have dinner or lunch on the terrace without feeling discomfort. Winter Garden for heating large glazed loggias or balconies and transformed into a winter garden, you can use the ez series of devices at the rate of 300 watts per m2. Infrared heater replaces the sun to plants and they grow well even in winter. Industrial construction sites, shop with great ceiling height for such a space suit infrared heaters series of ir, mounted at a height of 4 m and above. Selection of infrared heaters – is not easy, we recommend to only in specialized institutions to calculate the necessary power and determine the type of device.

Wooden Houses

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Conceiving the construction of suburban summer homes or cottages, many continue to prefer wooden houses. Wooden houses – is not only a tribute to tradition, it is a choice of durability, strength and aesthetics. Wooden houses attract weary of the hustle and bustle of the inhabitants of high-rise buildings for many reasons, one of which – the closeness to nature. Wood – an exceptional material that with proper treatment and can serve as horoshemuhode very long. Wooden houses due to good thermal insulation properties of the material are presented in the July heat, cool, and is surrounded by a warm winter. The air in the forest are full of flavor, it has healing properties – a tree allocates volatile to prevent colds and viral diseases.

Mistaken one who calls the wooden houses of old and dusty. It is necessary to look through the directory of houses, and you can make a different conclusion. New technologies in construction permit to build these palaces of wood! Wooden houses are built of different materials. Some prefer a log house, hewn by hand, someone they like the house made of logs. Recently more popular are home from a bar. In the construction used several types of timber – timber of natural moisture, profiled bar, and laminated veneer lumber. Brus natural moisture – is calibrated with a log square or rectangular cross-section.

Manufactured logs at the factory, at 4 Kant, or manually with a saw. The phrase "shaped beam" speaks for itself – items given to a certain profile. As the benefits of profiled bar indicates the minimum shrinkage and low heat loss. Glued laminated timber – a material is the most popular. Produce it were about 30 years ago. Such material is produced by bonding specially treated under the pressure of boards, slats. Glued laminated timber, compared with profiled dried better and gives a marginal shrinkage. Home from a bar – is at home with smooth walls that do not require additional finishing. In addition to these characteristics at home from a bar and retain the main advantages of wooden structures – they are environmentally friendly, have good insulation. Construction companies offer directory of houses, including including houses of timber. Wooden houses, types of which can be seen in the photograph, provide an opportunity to see their aesthetic appeal. If you compare home from a bar and house of logs, you can see benefits first. Home from a bar (shaped) are going faster than homes made of logs. Minor shrinkage (under3%) give a home from a bar, which almost immediately you can do finishing work, installing stairs, windows. Houses made of logs should give shrinkage – it takes almost a year. Another plus – the house of timber is moisture in the walls of these seldom cracks. Undoubtedly, the home of logs also have their advantages. It is believed that the house made of logs are extremely durable. Wooden houses, from whatever material they were made, this is an excellent choice. Live in them happily, comfortably and comfortable.

Accessibility of Rental Properties

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In 2009, according to market participants, will be a year lease on the property market. The decline in household incomes and lack of access to mortgages, showed that buying a flat to very few people can afford, even though housing prices in recent months steadily decreases. Substitute for proper housing is in crisis rent, according to statistics real estate agency doki 1 to January 15, 2009 in Moscow rents for housing in the segment of one-bedroom apartments economy class fell by 6.4%, averaged 23.5 thousand rubles per month for an apartment on the outskirts of the city. Began falling rents in Moscow by the end of 2008, during this period came on the market economy-class apartments for 20-25 thousand rubles, become cheaper business class and elite segment of the lease. According to analytical data MIEL-Rent, "in December 2008 one-room apartments fell 7.99% to 5.73% two-bedroom, three-room at 4.24%. In the segment of business-class and luxury homes by the end of December 2008 the rent furnished apartments fell by 7.67%, two fell 9.43%, three-room – at 9.51%.

In December – January, demand for rental apartments dropped, the proposal is traditionally grown, but to New Year prompted business class apartments for the price pryadok lower than the average rental value of such apartments quickly found a tenant, despite a small demand. Maria (Director-General MIEL-Rent ") shared data -" In December 2008, the largest number of offers economy-class was recorded in the Southern Administrative District, an elite business class – in cao (CAO share in the structure of the sentence was about 50%). In January, demand for rental flats typically begins to grow, while this trend is not observed, so to make concrete predictions about the development of the rental market in 2009 are difficult. "Such a tendency observed in the rental market of commercial real estate, more and more companies prefer to lease offices in Moscow buying.